Closing Costs - Buying direct from Disney

[cplderry]

I am in the process of finalizing our first purchase with Disney for the Polynesian. The closing costs on the docs include a $190 charge for title insurance through "Vista Title Agency", a subsidiary of Walt Disney company. Whereas I'm purchasing directly from Disney and the first buyer of these points, is title insurance necessary? It seems like an extra $190 to Disney for not much in return since there isn't much risk to insure against. If it were a re-sale I would probably feel it were a justifiable cost, but direct from Disney when they've just created the property seems unjustifiable. Anyone else have any thoughts on this?